How to deal with Debt collectors: Zwicker Associates

Your credit report shows up Zwicker Associates?

Do Zwicker Associates are contacting you again and again, or your credit report shows up their name? If the answer is yes, then this may damage your credit report and this harm may last long. You must take relevant actions to remove them lawfully and permanently from your report.

Know about Zwicker Associates

Zwicker and Associates is a debt collector law firm organized under the laws of Massachusetts, USA. The firm was started in 1991 and has headquarters in Andover, Massachusetts along with law offices spread across the country. They specialize in collecting student loan debt, credit card debt, debt for medical bills, and phone bill debts.

With expertise in debt collection, this law firm work for creditors and can contact debtors to collect debt. If you are one of the people whoare contacted by Zwicker & Associatesof Massachusetts about debt, then you should make sure that they are talking about the debt you owe. Sometimes they contact you, even if you don’t owe a debt. The very common mistake made by these types of firm is that they mix false or out-dated information with current original files.

But for this kind of situation, Government had created Laws to protect the consumers from paying the debt that they don’t owe. According to Fair Debt Collection Practices Act (FDCPA), a debt collection firm must validate the debt they are collecting. So, if Zwicker & Associates contact you to collect debt, then they must provide you with the following within 5 days:

  • Total Amount of the debt to be collected
  • Name of the creditor that gave the debt
  • Provide a legit statement that states you have 30 days within which you can dispute the debt.
  • Provide a legit statement that says they will provide you the name and address of the original creditor within the first 30 days.

If they fail to provide you the above information, then you have legal right to dispute the debt for which you are contacted.

Zwicker and Associates P.C. Contact details


80 Minuteman Road,
Andover, Massachusetts 01810-1008


Phone Number:


Fax Number:


Now, to know more about how to deal with this Law firm, let’s review their work.

Review of debt collector law firm, Zwicker & Associates

Over the years, Zwicker and Associates P.C Law firm has been tied to too many complaints regarding their unscrupulous conduct and defilements of FDCPA terms. If you can look in past three years data, you will find more than 80 complaints filed against this law firm. These complaints involve debt collection and creditor’s billing issues in majority.

According to a review on BBB, in 2015, a debtor complained that this firm has filed a judgement against him, but he had already paid the debt in 2009. You can see the below image of thewritten review.

Review on BBB

Another person also complained on BBB that Zwicker and Associates are spammers. This person said that they presented him with fake debt court case for his credit card balance. You can refer to the following image.

In one more review on BBB, one debtor complained about the overpaid money. The person paid the debt twice and when he got to know it, Zwicker & Associates refused to refund the amount.

This firm got many negative reviews from various persons and its rating is less than 3 out of 5 on Glass door, Facebook and BBB. So it is clear that this firm is so much unpopular among people. Many people are affected by their misleading and threatening practices of debt collection.

What is the solution if Zwicker & Associates harass you?

If Zwicker and Associates had contacted you to collect debt, then the first thing you must do is to take suitable action to avoid any default judgement against you. If they are contacting you early morning or late night, contacting your employer or any family member to collect debt, then remember FDCPA is there to protect you!

FDCPA always protect you from misleading and threatening practices of debt collection. Any debt collection firm do not have right to threaten you with legal action. But still if you don’t know how to deal with Zwicker & Associates, then you can contact Debt Academy.

If Zwicker & Associates is using unfair practice of debt collection with you, then it’s time for you to contact the Debt Academy.

We have expert Lawyers who can assist you in tackling the debt and credit issues. We are always delighted to help those who are struggling with crippling debt because we understand the financial situation of every hard working people. If you got call from Zwicker and Associates and you think they are treating you in an unfair manner, then you can simply contact us. We will investigate the matter and provide you relevant guidance and legal protection.

Call Debt Academy at 1800-Phone-Number today!

We better know how to deal with such debt collecting firm and make them follow the Law under FDCPA.